You have several options for installation depending on your comfort for risk and capability level. I

At that level, I don't know if I should let the money sit in the savings account for another year until I'm ready to take a more active investment role.

Also with your experience level I would pay for a good professional inspector. 

I am also interested in specific insurance company names, preferably on the national level.   I

The best source at the county level is St Louis Federal Reserve.

This is what resulted:High Res LinkAs you can see, Multi-Families in the Edgewater neighborhood seem to command a cap rate of around 10.4%.This is based on buildings with 5 or more units, so the cap rate may differ at the 100 plus unit level. I

My question is more focused on passive loss carryover at state level. . Is

Their income level is fine, but does anyone require additional history of income from these applicants to show they've been consistent for a couple years or so?

Do I need an AOS first or can i prepare for this as I list the property?

I was going to buy in Lakeland and looked at numerous properties, however, in my opinion if the city is making the national news as a great investment, rental, place to live, or anything else then the gravy train has already left the station, hence why I haven’t found a deal there that isn’t in a D class area that makes money to the level I am looking for.